Nevada Home Insurance Market Evidence
& AB 376 Review 2026

What does Nevada AB 376 actually allow insurers to do?

Section 25.1 of Nevada Assembly Bill 376, enacted during the 83rd Nevada Legislative Session, adds a new provision to Chapter 691A. Effective January 1, 2026, it says a property insurer may exclude wildfire and may issue wildfire-only coverage either by itself or in coordination with a policy that excludes wildfire.

AB 376 authorizes an exclusion; it does not prove that any particular policy contains one.Source review of enrolled AB 376, Section 25.1

The bill defines wildfire as an unplanned and uncontrolled fire in combustible vegetation that originated outside residential or commercial property, unless the Commissioner approves a different policy definition. A homeowner must still read the actual policy and endorsements because the statute does not select the terms for an individual insurer or address.

What AB 376 does NOT do

AB 376 does not mandate exclusions and does not automatically remove coverage. It also does not establish a statewide price, a carrier list, or a property-risk score. Separate Nevada cancellation and nonrenewal rules sit in NRS Chapter 687B. For a renewal offered on changed terms, the reliable evidence is the renewal offer, declarations page, and endorsements.

What does the official evidence say about Nevada home-insurance cost?

The Nevada Division of Insurance's 2025 Insurance Market Report documents upward pressure on home-insurance premiums and identifies catastrophic losses, reinsurance cost, and higher material and labor cost as contributing market forces. It also publishes selected company rate-change histories and statewide market-premium totals.

The report does not publish a single 2026 Clark County policy price, a Las Vegas ZIP-code price table, or a quote for a standardized home. A company-wide filed rate change is not the same as the premium change for every policyholder. For a current price comparison, use the same property facts, limits, deductibles, endorsements, and effective date across each proposal.

What reproducible Nevada home-insurance metrics are published?

The table below transcribes statewide metrics from the Division's 2025 report. It keeps the original units and separates all cancellations/nonrenewals from the smaller subset attributed to wildfire risk. The downloadable CSV adds source pages and scope notes.

What is happening with non-renewals in Nevada?

The Division's data calls show that all reported home-policy cancellations or nonrenewals rose from 115,477 in 2022 to 157,953 in 2023. Within those totals, actions attributed to wildfire risk rose from 264 to 481. Wildfire-related application declinations rose from 2,439 to 4,994.

These figures combine cancellations and nonrenewals at the statewide level. They do not identify a Clark County rate, a 2024–2026 trend, or the probability that one household will be nonrenewed. The Division reported that adverse actions were concentrated in certain areas and identified forty ZIP Codes for additional analysis, but the source excerpt does not justify assigning a risk label to every property in those ZIP Codes.

What Nevada law requires on non-renewal notice: Under NRS 687B.340(1)(b), an insurer must mail or deliver notice of its intention not to renew at least 30 days before the policy's expiration date for a personal policy (at least 60 days for a commercial or business policy). Mid-term cancellation is a different rule: NRS 687B.320(2) makes a cancellation effective no sooner than 10 days after notice for non-payment of premium, and no sooner than 30 days on any other permitted ground. Under NRS 687B.310(6), either notice must state the effective date and be accompanied by a written explanation of the specific reasons.

Homeowners who believe a non-renewal violates Nevada law or regulations may file a complaint with the NV DOI at doi.nv.gov/Consumers.

What should a Nevada homeowner do if a policy excludes wildfire?

AB 376 authorizes an insurer to exclude loss or damage caused by wildfire and authorizes a wildfire-only policy. It does not tell a homeowner whether a particular issued policy contains an exclusion. The policy, endorsements, and written answers from the insurer or producer are the evidence that matters for one home.

Valley West Insurance, Inc. (NV DOI #1021906; NPN #17531339) can request property-specific options from the carriers available to the agency. A submitted application is not bound coverage, and availability remains subject to insurer eligibility, underwriting, and the issued policy terms.

A reproducible worksheet for reviewing a homeowners renewal

Nevada DOI says insurers may evaluate factors such as proximity to a fire station, protective alarms, proximity to flood or earthquake exposure, the home's age, and the cost to rebuild. That list explains why two policies or premiums should not be compared until their property facts and coverage terms are aligned; it does not predict what one insurer will charge.

What should a Nevada homeowner do at renewal?

Use a document-first process. These steps translate the enacted law and Nevada DOI consumer guidance into checks a homeowner can complete and preserve.

1. Save the complete current and renewal packets. Include declarations, forms, exclusions, endorsements, notices, and correspondence so changes can be compared.
2. Ask whether wildfire coverage changed. Request a written answer and the form number that controls. Do not infer coverage from AB 376 alone.
3. Verify property and coverage inputs. Confirm the address, home characteristics, protective devices, dwelling limit, other limits, deductibles, and listed discounts are accurate.
4. Compare like-for-like proposals. Align policy dates, limits, deductibles, exclusions, and endorsements before comparing annual premium. Ask whether a wildfire-only policy is available if the homeowners policy excludes wildfire.
5. Respond to an adverse decision with evidence. Ask for the exact reason. Nevada DOI says to request an in-person inspection if none occurred, document mitigation or corrected information, and use the DOI complaint process if the issue remains unresolved.

Methodology and evidence limits

This report was produced by Valley West Insurance (NV DOI #1021906 (NPN #17531339)), a licensed independent insurance agency in Las Vegas, Nevada. It is not produced by or affiliated with any government agency, carrier, or industry association.

Last evidence review: August 19, 2026. The review uses public materials available at the cited URLs on that date.

• Law: We read Section 25.1 in the enrolled text of Nevada AB 376 and used its January 1, 2026 effective date. We did not infer that any individual insurer has adopted an exclusion.
• Market data: We transcribed selected homeowners fields from the Nevada DOI 2025 Insurance Market Report. A second pass checked every value against its printed page. The downloadable CSV preserves the metric, year, unit, geography, source page, source URL, and scope note.
• Consumer guidance: We used Nevada DOI's homeowners page, June 5, 2026 wildfire guidance, complaint page, and NRS Chapter 687B for general review and escalation steps.
• Derived presentation: Tables and worksheets on this page organize cited facts. They are editorial tools, not a DOI dataset, actuarial analysis, legal opinion, quote, eligibility decision, or carrier recommendation.

Limitations: The market figures are statewide historical counts or market totals, not current Clark County prices, address-level probabilities, forecasts, or a measure of every insurer's present underwriting. The DOI report combines cancellations and nonrenewals in the published count. AB 376 authorizes policy structures but does not establish that a particular policy excludes wildfire. Verify coverage and availability from current property-specific documents.

Embed this report or cite it

You may link to this source review and its public CSV. Attribute the official figures to the Nevada Division of Insurance 2025 Insurance Market Report and the legal summary to the enrolled AB 376 text.

<!-- Nevada home-insurance market evidence and AB 376 review -->
<blockquote>
  <p>A source-audited review of Nevada DOI homeowners market data,
  the enrolled AB 376 wildfire provisions, and a renewal worksheet:</p>
  <cite>
    <a href="https://valleywestinsurance.services/nevada-home-insurance-report-2026"
       title="Nevada Home Insurance Market Evidence &amp; AB 376 Review — Valley West Insurance">
      Nevada Home Insurance Market Evidence &amp; AB 376 Review — Valley West Insurance
    </a>
  </cite>
</blockquote>